Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year for full coverage. Comprehensive costs an estimated $362 each year, collision insurance costs $688, and liability is estimated at $316. Buying just liability costs approximately $376 a year, and insurance for high-risk drivers costs around $3,252. Teenage drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The examples above show why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Lexus IS 250 insurance rates for other coverage scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save approximately $238 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,502
• Using low deductibles for comp and collision coverage bumps up the cost to $1,966
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,252
• Policy cost that insures a 16-year-old driver can cost as much as $5,366 each year

Insurance rates for a Lexus IS 250 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus IS 250 insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,140 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can save as much as $710 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Lexus IS 250 Insurance

Finding cheaper rates on insurance for a Lexus IS 250 takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices at least every other year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,750 more annually to buy Lexus IS 250 insurance
• Drivers can save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Insureds who want increased levels of liability coverage will pay an extra $350 each year to raise limits from a 30/60 limit to the 250/500 level